DIGILIFE TECHNOLOGIES LIMITED (BAI) fair value: what the stock is really worth
As of Nov 11, 2026: fair value (intrinsic value) of DIGILIFE TECHNOLOGIES LIMITED stock S$1.21, price S$0.55, upside +120.0%, quality 48 out of 100. Rating: strongly undervalued. Calculated from audited financials with 10 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 13, 2026.
How to read this chart
60‑month range 0.4300 SGD – 2.88 SGD · fair‑value band 1.04 SGD – 1.38 SGD · the 0.5500 SGD price screens below the 1.21 SGD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 13, 2026.
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Digilife Technologies Limited provides telecommunication services in Southeast Asia and South Asia. The company operates through Telecom and Technology segments. It distributes mobile prepaid cards.
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The company also offers hardware infrastructure and business service integration for government and corporate clients; integrated ICT solutions, such as consultancy, maintenance, and disaster recovery services; and managed service solutions.
In addition, it distributes mobile handsets, related products, and services; engages in the supply, rental, maintenance, and servicing of computer hardware and peripheral equipment; offers systems integration service related to computer equipment and peripherals, storage systems, networking products, customized solutions, and software products; and networking and routing solutions for enterprise networks with related switches, monitors, solutions, hardware, and facilities management services.
Further, the company offers IT and related services. The company was formerly known as SEVAK Limited and changed its name to Digilife Technologies Limited in April 2021. Digilife Technologies Limited was incorporated in 1993 and is headquartered in Singapore.
Stock analysis
DIGILIFE TECHNOLOGIES LIMITED (BAI) currently trades at 0.5500 SGD, while our model-based Fair Value estimate is 1.21 SGD, implying the stock looks roughly 55% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 1.53 SGD per share, and 10 of the 10 models we run sit above the 0.5500 SGD price.
Bear case: the Multiples group reads lowest at 0.9350 SGD, and 0 of the 10 models stay below the price. Data coverage for this calculation is low.
Scenario range: 1.04 SGD (bear) to 1.38 SGD (bull), the price of 0.5500 SGD sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 48/100 (below-average quality), in the Communication Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
DIGILIFE TECHNOLOGIES LIMITED reported revenue of 12.6M SGD in FY2024 versus 107B SGD in FY2019, a compound −83.6%/yr. Reported net income was −3.5M SGD in FY2024.
Key figures
Market cap 7.4M SGD (≈ $5.7M) Micro · P/S ratio 25.2 · EPS (TTM) −0.0400 SGD · Net margin −27.7% · Return on equity −2.1% · Return on assets (EBIT) −1.0% (5-year average) · Operating margin −1,130% · Revenue growth (YoY) −5.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 18 out of 100 (medium confidence).
What moves the price
The share trades about 52% below its 52-week high and 28% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Communication Services peers we cover trades at 49% fair-value upside, at 120%, BAI screens cheaper than that median.
Fair Value models
Bear1.04 SGDFair Value 1.21 SGDBull1.38 SGD
Price 0.5500 SGD · Upside +120.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.10/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−0.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−62.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−83.6%
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−27.8%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−1.1% (2013) → −3.6% (2024)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2024 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
The company could shrink this much every year for the next five years and today's price would still be justified.
Compare DIGILIFE TECHNOLOGIES LIMITED with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Telecom Services · 250 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score48 · Below median
Fair Value upside+120.0% · Top 25%
Profitability
Return on assets−11.2% · Bottom 25%
Net margin (12 months)−27.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−5.0% · Bottom 25%
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Telecom Services median · lower = cheaper
P/B0.29× · Cheapest 25%
P/S (12 months)20.23× · Priciest 25%
Price / free cash flow (fiscal year)9.9× · Cheaper than median
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Is DIGILIFE TECHNOLOGIES LIMITED (BAI) overvalued or undervalued?
As of Nov 13, 2026, our model estimates a fair value of 1.21 SGD versus a price of 0.5500 SGD, about +120% upside (undervalued).
What is the fair value of BAI?
Our model-based fair value for DIGILIFE TECHNOLOGIES LIMITED is 1.21 SGD (as of Nov 13, 2026), built from audited fundamentals. The current price: 0.5500 SGD.
What is the quality score of BAI?
DIGILIFE TECHNOLOGIES LIMITED has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for DIGILIFE TECHNOLOGIES LIMITED (BAI)?
Our model-based price target is the fair value of 1.21 SGD (as of Nov 13, 2026) from 10 valuation models. Cautious scenario 1.04 SGD, optimistic scenario 1.38 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the DIGILIFE TECHNOLOGIES LIMITED stock forecast for 2026?
Our models put fair value at 1.21 SGD, about +120% upside versus a price of 0.5500 SGD (undervalued). Cautious scenario 1.04 SGD, optimistic scenario 1.38 SGD. The calculation is refreshed regularly with new filings.
What growth is priced into DIGILIFE TECHNOLOGIES LIMITED (BAI)?
For today's price to be fair in a discounted-cash-flow model, DIGILIFE TECHNOLOGIES LIMITED would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -83.6 % per year. As of Nov 13, 2026.
What discount rate (WACC) does the fair value of BAI use?
Our models discount DIGILIFE TECHNOLOGIES LIMITED at 9.2 %: a base by market capitalisation (nano), damped by beta 0.88, country premium for Singapore. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For DIGILIFE TECHNOLOGIES LIMITED that is less than minus 40 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.2 %) and the same formula as our fair value.
How much growth has DIGILIFE TECHNOLOGIES LIMITED (BAI) delivered so far?
Over the past 5 years revenue at DIGILIFE TECHNOLOGIES LIMITED grew -83.6 % a year. The price currently implies free-cash-flow growth of less than minus 40 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of DIGILIFE TECHNOLOGIES LIMITED (BAI) growing?
The median revenue growth in the sector is +3.9 % a year. That is the yardstick for the growth priced into DIGILIFE TECHNOLOGIES LIMITED (less than minus 40 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of DIGILIFE TECHNOLOGIES LIMITED (BAI)?
The free-cash-flow yield on the price is 10.10 %: that much free cash flow DIGILIFE TECHNOLOGIES LIMITED produces per unit of market value. When it exceeds the discount rate of our models (9.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of DIGILIFE TECHNOLOGIES LIMITED (BAI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For DIGILIFE TECHNOLOGIES LIMITED it is 1.21 SGD per share (as of Nov 13, 2026), against a price of 0.5500 SGD. It is the blended result of 10 valuation models in 4 families (DCF Models, Multiples, Asset-Based, Growth DCF).
Is DIGILIFE TECHNOLOGIES LIMITED stock overvalued or undervalued in 2026?
As of Nov 13, 2026, BAI trades below its calculated fair value: price 0.5500 SGD, fair value 1.21 SGD, a gap of about +120% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BAI?
No. The price is what the market pays today (0.5500 SGD); the fair value is what the company's own numbers justify (1.21 SGD). For DIGILIFE TECHNOLOGIES LIMITED the two are 0.6600 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is DIGILIFE TECHNOLOGIES LIMITED worth?
The market values DIGILIFE TECHNOLOGIES LIMITED at about 7.4M SGD (market capitalisation, as of Nov 13, 2026). Per share that is 0.5500 SGD; our models calculate a fair value of 1.21 SGD per share.
What do the bullish and bearish scenarios say about BAI?
Our models span a range for DIGILIFE TECHNOLOGIES LIMITED: cautious scenario 1.04 SGD, base 1.21 SGD, optimistic 1.38 SGD per share (as of Nov 13, 2026, price 0.5500 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of DIGILIFE TECHNOLOGIES LIMITED (BAI)?
Balance-sheet figures for DIGILIFE TECHNOLOGIES LIMITED (as of Nov 13, 2026): return on equity −2.1%, debt of 0.00 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is BAI from its 52-week high?
DIGILIFE TECHNOLOGIES LIMITED trades at 0.5500 SGD, about 52% below its 52-week high of 1.15 SGD and 28% above the low of 0.4300 SGD (as of Nov 11, 2026). Distance from the high says nothing about value: that is what the fair value of 1.21 SGD is for.
Which stocks are comparable to DIGILIFE TECHNOLOGIES LIMITED?
From the same area (Communication Services) we also value China Mobile Limited, Verizon Communications Inc, T-Mobile US, Inc, AT&T Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is DIGILIFE TECHNOLOGIES LIMITED stock attractive at the current price?
The data as of Nov 13, 2026: price 0.5500 SGD, calculated fair value 1.21 SGD (+120%), Quality Score 48/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BAI calculated?
We run DIGILIFE TECHNOLOGIES LIMITED through 10 models from 4 families: DCF Models, Multiples, Asset-Based, Growth DCF. Every model gets the same audited fundamentals; the fair value of 1.21 SGD builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.3% above its aggregate fair value. DIGILIFE TECHNOLOGIES LIMITED currently trades 55% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of DIGILIFE TECHNOLOGIES LIMITED (BAI)?
The closing price on Nov 11, 2026 was 0.5500 SGD. Our model-based fair value is 1.21 SGD, about +120% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with DIGILIFE TECHNOLOGIES LIMITED right now?
The large discount to fair value meets weak quality (48/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (1.04 SGD). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of DIGILIFE TECHNOLOGIES LIMITED
How large is the market capitalisation of DIGILIFE TECHNOLOGIES LIMITED (BAI)?
The market capitalisation of DIGILIFE TECHNOLOGIES LIMITED is 7.4M SGD (≈ $5.7M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of DIGILIFE TECHNOLOGIES LIMITED (BAI)?
The price-to-sales ratio of DIGILIFE TECHNOLOGIES LIMITED is 25.2 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of DIGILIFE TECHNOLOGIES LIMITED (BAI)?
Earnings per share at DIGILIFE TECHNOLOGIES LIMITED are −0.0400 SGD. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of DIGILIFE TECHNOLOGIES LIMITED (BAI)?
The net margin of DIGILIFE TECHNOLOGIES LIMITED is −27.7% (fiscal year 2024). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of DIGILIFE TECHNOLOGIES LIMITED (BAI)?
The return on equity (ROE) of DIGILIFE TECHNOLOGIES LIMITED is −2.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of DIGILIFE TECHNOLOGIES LIMITED (BAI)?
On an EBIT basis the return on assets of DIGILIFE TECHNOLOGIES LIMITED is −1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of DIGILIFE TECHNOLOGIES LIMITED (BAI)?
The operating margin of DIGILIFE TECHNOLOGIES LIMITED is −1,130% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at DIGILIFE TECHNOLOGIES LIMITED (BAI)?
Revenue at DIGILIFE TECHNOLOGIES LIMITED is growing −5.0% versus a year earlier (3y avg −95.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at DIGILIFE TECHNOLOGIES LIMITED (BAI)?
Earnings per share at DIGILIFE TECHNOLOGIES LIMITED are growing −5.9% versus a year earlier. How much earnings per share grew versus a year earlier.
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Thin data
Nov 13, 2026